The Best Cheap Renters Insurance in Idaho

The average cost of renters insurance in Idaho is $14 per month, or $169 per year. Going with State Farm will save a renter 32%, or $55 annually, compared to the typical price.

We collected quotes from six top renters insurance companies across Idaho to find the cheapest quotes. When choosing the best renters insurance company, it's important to consider coverage options and customer service, in addition to affordability.

Cheapest renters insurance companies in Idaho

The average cost of renters insurance in Idaho is $14 per month, and most insurance companies were similarly priced. The most expensive option, Farmers, is only $6 more per month than State Farm.

Renters insurance in Idaho is 21% more affordable compared to the rest of the country. Nationwide, renters insurance usually costs about $18 per month.

Cheapest renters insurance companies in Idaho

Best renters insurance for most people: State Farm

We recommend State Farm as the best renters insurance for people in Idaho. It has low rates of just $115 per year, or about $10 per month. That's the cheapest we found in the state and 32% less than the state's average cost overall.

State Farm is one of the largest insurance companies in the country, and it has local agents across Idaho. If you prefer to buy your policy in person or have a dedicated agent to help you with your insurance questions, State Farm is a great choice.

State Farm's customer service is good but not top tier. It received about 25% fewer complaints than a typical renters insurance company, relative to its size, suggesting customers tend to be satisfied with their experience.

The biggest drawback to State Farm is its lack of coverage options. Most renters will be satisfied with the basic options available at State Farm (and any other insurer). But if you need specialized coverage like water backup coverage, you should look at another insurer.

In addition, State Farm does not always offer online quotes, depending on where in Idaho you live. Residents of some parts of Idaho may have to contact an agent directly to buy a policy.

Best customer service: Amica

For renters looking for high-quality service at an affordable price point in Idaho, we recommend Amica. It's just a few dollars more expensive per year than our top pick and has generally well-rated service.

Amica received a 5/5 in our renters insurance service ratings, reflecting its customers’ generally positive experiences. And it receives less than half as many complaints as a typical insurance company, according to the National Association of Insurance Commissioners (NAIC) — suggesting customers tend to be satisfied with the treatment they receive.

The average price at Amica is $180 per year. That's $11 per year more expensive than the average rate but a $65 difference per year from our cheapest pick, State Farm.

However, you may be able to reduce that price by taking advantage of Amica's plentiful discounts, including discounts for being claim-free and bundling your policy, in addition to buying online. But keep in mind, renters insurance discounts tend to be smaller than home and auto insurance because renters insurance is already so inexpensive.

Best coverage options: Travelers

For Idaho renters who want the best possible selection of coverage options from their insurer, we recommend Travelers. It has a wider set of choices than any other insurer we reviewed.

However, Travelers' rates are 50% higher than our top pick, and you have to pay for a year of coverage upfront.

At Travelers, you can purchase coverage options like replacement cost coverage for your property, valuable items coverage and extended liability. It also offers a few options we didn't see at other insurers, like water backup coverage.

The price of renters insurance at Travelers was $175 per year, or $15 per month. That's just a bit more than the statewide average of $169 annually.

Customer service at Travelers received mixed reviews. While it receives relatively few complaints according to the NAIC, it was rated worst among the companies in J.D. Power's home insurance survey.

Idaho renters insurance: Costs by city

That's 16% more than the price in the cheapest city, Enfield, where the typical cost is only $161 per year.

Renters insurance costs can change based on where you live. Your bill might be lower if you live in an area with a low crime rate or higher if your area is susceptible to wildfires. However, the cost of renters insurance is relatively consistent across Idaho when compared to other states.

Top-rated renters insurance companies in Idaho

These two companies have generally favorable reviews and few complaints, according to the NAIC. They both also have strong ratings from our ValuePenguin editors, and USAA is J.D. Power's top pick for customer satisfaction.

Unfortunately, USAA is only available to people affiliated with the military, which kept it from being our top pick.

Great customer service means you’ll have your questions answered while buying a policy or filing a claim, and you'll be fairly and promptly paid after your claim is approved.

Frequently asked questions

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Methodology

We evaluated quotes from seven major insurance companies in 24 cities across Idaho. All sample rates are for an unmarried 25-year-old renter who lives alone and has no recent renters insurance claims.

Top picks are determined by our experts who analyzed rates, customer service and coverage options.

Renters insurance star ratings are based on the National Association of Insurance Commissioners (NAIC) Complaint Index, the J.D. Power customer service satisfaction index and ValuePenguin's editors' rankings.